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Last Updated: 04/18/2025

PNC Home Equity Line of Credit

from PNC Bank

Last Updated: 04/18/2025

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Highlights

Credit Score Range

600 - 850

Amount Range

Starting at $10,000

Maximum LTV

84.9%

Minimum Draw

N/A

Loan Term (Years)

7 - 10

PNC Home Equity Line of Credit Review

PNC Home Equity Line of Credit is offered by PNC Bank , a bank founded in 1845 and based in Pittsburgh, PA. PNC Bank are available in 50 states and Washington, DC.

Key Takeaways

Fair credit accepted. Borrowers with a credit score as low as 600 may qualify for PNC Home Equity Line of Credit.
Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
High maximum LTV ratio. PNC Home Equity Line of Credit has a maximum loan to value ratio of 84.9%.

PNC Home Equity Line of Credit Pros & Cons

Pros

Cons

No prepayment penalty.
Considers applicants with fair credit.
Available in all 50 states.

Charges an origination fee.
No co-sign option available.

PNC Home Equity Line of Credit FAQ

Is there a minimum draw requirement?

No, there is no minimum draw requirement.

What fees does PNC Bank charge for a HELOC?

PNC Home Equity Line of Credit may charge an origination fee.

What types of property can you use as security for a HELOC with PNC Bank?

PNC Bank may consider HELOCs secured by the following property types:

Primary residences
Secondary or vacation homes

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from PNC Bank

Take care of today, plan for tomorrow. Use a Home Equity Line of Credit to renovate your home, refinance your mortgage, consolidate debt or prepare for unexpected expenses.

A home equity line of credit (HELOC) lets you borrow money against the available equity in your home. PNC's Choice HELOC gives you the option to borrow at a variable interest rate or to lock in a fixed rate on balances of $5,000 or more. Fixed rate. Variable rate. You choose. That's why we call it a Choice Home Equity Line of Credit. Fix your roof, consolidate your bills, or pay off that new car. All with lower rates than other loan/credit options with the flexibility to switch between variable and fixed rate.

Contact

Headquarters

Tower at PNC Plaza 300 Fifth Ave

Pittsburgh, PA 1522

Visit Site

Hours of Operation

Sunday

Closed

Monday

8:00AM - 9:00PM

Tuesday

8:00AM - 9:00PM

Wednesday

8:00AM - 9:00PM

Thursday

8:00AM - 9:00PM

Friday

8:00AM - 9:00PM

Saturday

8:00AM - 5:00PM

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SuperMoney Net Recommendation Score

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-1000+100

No one recommends

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The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.